Income Protection provides a regular, tax-free income if you’re off work due to illness or injury. It ensures your essential bills — like rent, mortgage, groceries, and utilities — are still covered while you focus on recovery. Especially vital for the self-employed or those without employer sick pay.
Anyone who relies on an income can apply, but it’s especially important for self-employed workers, freelancers, and those without employer sick pay.
Payments start after the deferment period you choose during policy setup — typically between 4 and 26 weeks. You can select a waiting time that fits your financial situation.
Most policies cover between 50% and 70% of your regular income, paid monthly, and the benefits are usually tax-free.
Choose cover level and deferment period
Due to illness or injury
Wait for selected time (e.g., 4 weeks)
Until return to work, retirement, or end of policy
Excellent service. Louise Stevens has managed several mortgages for us over the last two years and in spite of our complicated situation we’ve always been confident in achieving the end result. Charlotte has also been great at keeping us updated and we wouldn’t hesitate to return when we are back in the market for a move.
jhon doe, UK
Excellent service. Louise Stevens has managed several mortgages for us over the last two years and in spite of our complicated situation we’ve always been confident in achieving the end result. Charlotte has also been great at keeping us updated and we wouldn’t hesitate to return when we are back in the market for a move.
jhon doe, UK
Excellent service. Louise Stevens has managed several mortgages for us over the last two years and in spite of our complicated situation we’ve always been confident in achieving the end result. Charlotte has also been great at keeping us updated and we wouldn’t hesitate to return when we are back in the market for a move.
jhon doe, UK
Excellent service. Louise Stevens has managed several mortgages for us over the last two years and in spite of our complicated situation we’ve always been confident in achieving the end result. Charlotte has also been great at keeping us updated and we wouldn’t hesitate to return when we are back in the market for a move.
jhon doe, UK
Your home may be repossessed if you do not keep up repayments on your mortgage. Not all Buy-to-Let mortgages are FCA regulated. This website provides general guidance and does not constitute financial advice. Mortgage rates and product availability are subject to change. Mortgage Circle is authorised and regulated by the FCA (No. 797652).